&\multicolumn{4}{c}{First Half}
            &\multicolumn{1}{c}{30 Days}&\multicolumn{1}{c}{60 Days}&\multicolumn{1}{c}{90 Days}&\multicolumn{1}{c}{120 Days}\\
\hline
\raisebox{-2.3mm}[0mm][0mm]{$\hat{\beta}$}&       0.425   &       0.529*  &       0.492   &       0.440   \\
            &     (0.264)   &     (0.282)   &     (0.303)   &     (0.326)   \\
\it{p-value}&     [0.107]   &     [0.061]   &     [0.104]   &     [0.176]   \\
\it{h}      &       0.029   &       0.033   &       0.031   &       0.025   \\
Obs.        &      23,092   &      23,092   &      23,092   &      23,092   \\
&\multicolumn{4}{c}{Second Half}
            &\multicolumn{1}{c}{30 Days}&\multicolumn{1}{c}{60 Days}&\multicolumn{1}{c}{90 Days}&\multicolumn{1}{c}{120 Days}\\
\hline
\raisebox{-2.3mm}[0mm][0mm]{$\hat{\beta}$}&       0.978***&       0.992** &       1.082** &       1.138** \\
            &     (0.366)   &     (0.426)   &     (0.447)   &     (0.477)   \\
\it{p-value}&     [0.008]   &     [0.020]   &     [0.015]   &     [0.017]   \\
\it{h}      &       0.026   &       0.023   &       0.024   &       0.024   \\
Obs.        &      23,677   &      23,677   &      23,677   &      23,677   \\
